Cardazo Deal Desk

The dealer has a finance office. Now you do too. Car dealers present a deal as one number: the monthly payment. That number can hide a longer term, a marked-up interest rate, or products added to the loan that you never agreed to. Cardazo rebuilds the contract line by line so you can see what you are actually being charged — while you are still sitting in the finance office. WHAT IT DOES Checks the rate against your own payment. Enter the payment, term, and APR from the contract. Cardazo works backward from the payment to find the rate those numbers actually imply, and tells you when that does not match the rate you were quoted. Gets the sales tax right. Tax on a car is set by where you register it, not where you buy it. A ZIP code can cover several cities at different rates. Cardazo resolves which one applies and shows you the figure, so you can check it against the contract. Compares cash back against a low rate. When a manufacturer offers you a choice between cash and a promotional APR, the better option depends on your amount financed and your term. Cardazo compares both against what buyers with your credit typically get — and tells you when the cheaper option means a higher monthly payment than you were quoted. Prices the add-ons. Extended warranty and GAP are usually rolled into the loan, so you pay interest on them. Cardazo shows what each one costs per month and over the full term. Tracks the negotiation. Save each offer as the dealer revises it. Cardazo compares them so a lower payment cannot hide a longer term or a higher price. A pre-signing checklist. Before you sign, a short list of the figures to check against the paper in front of you, and the three places money most often disappears. WHAT IT IS NOT Cardazo is an educational tool. It is not a lender, a broker, a dealer, or an insurance producer. It does not arrange financing, sell any product, or take any payment information. It never asks for your credit score or your Social Security number, and it never pulls your credit. Every figure it shows is an estimate to check against your contract. Sales tax rates are verified against the state authority for California and estimated elsewhere; the app tells you which. The typical rate shown for your credit is a published average, not an offer from anyone. United States only.